Peabody, MA · State Credit Union · Chartered in MA
Who can join
State government employees (special charter)
Members
9,326
Net Worth Ratio
16.08%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$122.8M
Total Shares
$102.4M
Total Loans
$76.0M
Net Income
$107K
Net Worth Ratio
16.08%
≥7% = Well Capitalized
Members
9,326
Return on Assets
0.09%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.02%
$13K
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2022 | 50 | 42 | 4 | 84.0% | 8.0% |
| 2021 | 76 | 71 | 2 | 93.4% | 2.6% |
No CFPB complaint data available for this credit union.
Luso American Credit Union
37 Tremont St, Peabody, MA, 01960
Monday thru Wednesday 9:00AM to 5:00PM Thursday and Friday 9:00AM to 6:00PM Saturday 8:30AM to 1:00PM
Luso-American Credit Union
79 Lynnfield St, Peabody, MA, 01960-5201
MTW 9:00-5:00TF 9:00-6:00Sat 8:30-1:30
FiServ
975 William D Tate Ave, Grapevine, TX, 76051-4097
Monday to Friday 9 to 6
Luso American Credit Union
128 Rogers St, Gloucester, MA, 01930-5005
Thursday 1-4Friday 1-4
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<a href="https://bankscorer.com/credit-union/luso-american" target="_blank" rel="noopener">View LUSO-AMERICAN on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 74.2%· healthy range 60–80%